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FinTech
Explore financial technology innovations and digital banking solutions
FinCEN's 2026 AML Overhaul: What the Shift to Risk-Based Compliance Means for MSBs and Fintechs
FinCEN's April 7, 2026 proposal would fundamentally reform AML/CFT program rules under the Bank Secrecy Act, replacing box-checking with effective, reasonably designed, risk-based programs. Learn the five key changes, the design-vs-implementation test, and a 10-step checklist for MSBs and fintechs.
Netflix Q2 2026 Earnings: $12.56 Billion Revenue and Ad-Tier Pricing Power as $3.26 Billion Net Income Tests the Model
Netflix Q2 2026: $12.56B revenue (+13% YoY), $3.26B net income at 26% margin as ad-tier and price hikes compound — tracked via public Beancount ledger FY2021–FY2026Q2.
Payoneer Is Adding Stablecoin Payouts in 2026: A Practical Bookkeeping Guide for Cross-Border Sellers
Payoneer will add Bridge-powered USDC and USDT payouts in 2026. Learn how cross-border sellers save on FX and wire fees, what GENIUS and FASB changes mean, and how to book stablecoin receipts at FMV, track FIFO lots, and reconcile Payoneer, blockchain, and bank statements.
Coinbase Q2 2026 Earnings: $1.22 Billion Revenue Miss Tests the Everything Exchange Thesis
Coinbase Q2 2026: $1.22B revenue misses as transaction fees fall 18.5% while subscriptions hold — Everything Exchange diversification barely tested — tracked via public Beancount ledger.
Adyen H1 2026 Financial Report: €803.8B Processed Volume, Take Rate Drops to 16.2 bps, Testing 20 Years of Pricing Discipline
Adyen H1 2026: Net revenue of €1.30B (up 19% YoY, 21% constant currency), processed volume of €803.8B (up 24%), take rate compressed to 16.2 bps after the first tiered pricing in the company's 20-year history—around €48M in revenue forgone—plus its first two acquisitions ever (Talon.One for €750M and Orb for ~€310M), EBITDA margin of 49.2%, tracked line-by-line through a public Beancount ledger.
PayPal and Venmo Are Finally Talking: What the End of Visa+ Means for Freelancers Before February 2026
Starting February 19, 2026, Visa+ stops working for PayPal and Venmo transfers and is replaced by direct phone-number payments rolling out November 2025. With the 1099-K threshold falling to $600 in 2026, freelancers must tag inter-app transfers correctly, reconcile gross versus net per platform, and separate business from personal flows to avoid double-counting income.
Mercury vs. Relay vs. Novo: How to Actually Choose an Online Business Bank Account in 2026
Mercury, Relay and Novo all offer $0 monthly fees — but they solve different problems. This 2026 guide compares Treasury yield, Profit First buckets, cash deposits, wires, and bookkeeping fit so you pick by workflow, not branding.
Agentic Commerce Has Arrived: How to Book and Reconcile Sales Made by AI Shopping Agents
AI agents now check out on a customer's behalf over the same card rails, so an agentic sale books like any card sale — but the payout looks identical to a normal one unless you tag it. A merchant's guide to channel tags, gross-vs-net payout splits, storing intent and cart mandate IDs, daily reconciliation, and the product-data hygiene agents actually read.
Corporate Card and Expense Management Software in 2026: Automated Receipt Matching, Real-Time Controls, and Free vs. Paid Plans
Corporate card and expense platforms in 2026 now auto-match receipts via OCR, enforce spend controls at authorization, and sync to your books — with free tiers funded by interchange and paid plans at $5–$15 per user unlocking advanced approvals and ERP mapping.
PayPal's Bank Transfer Fee Jumps 51% on August 1: How to Rebudget Your Invoices Before You Pay More
PayPal's instant transfer fee rises from 0.99% to 1.50% on August 1, 2026 — a 51% increase. Learn what it costs on real invoice sizes, when instant is still worth it, and how to rebudget recurring invoices and book gross versus net correctly.
Xero's $2.5 Billion Melio Deal: What Bundled Bill Pay Means for Your AP Workflow in 2026
Xero will acquire Melio for $2.5B plus up to $500M earn-out; Melio processed $30B in payments with 80,000 customers — bundling bill pay into accounting software promises fewer logins and tighter approvals, but adds card fees and FX spreads that need separate bookkeeping.
Anthropic's Claude AI Agents for Finance: What Small Businesses Actually Get in 2026
Anthropic's Claude for Small Business and 10 finance agents (KYC, reconciliation) — 15 pre-built workflows, Intuit partnership, and what to automate first.